Tide vs Chipper Cash.
Tide (T70/100) and Chipper Cash (C62/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Tide leads Chipper Cash 5-3.
| C Chipper Cash №48 · FCA 62 /100 | T Tide №36 · FCA 70 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 70 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Partner-bank FCA |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | £85,000 GB.FSCS |
| Reach | ||
| Markets served Licensed jurisdictions | 9 countries | 2 countries |
| Crypto Coins available | 5 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | — | 4.3 ★ 35k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
Pick Tide if…
The UK SMB-default neobank by member count. Free UK business current account with sort code + Mastercard debit, built-in HMRC tax tools and invoicing, and the deepest UK accountant-integration set (Xero, QuickBooks, Sage, FreeAgent). The product depth (invoicing, VAT estimates, tax-aside automation, accountant access, business-loan partner panel) is the strongest in the UK SMB category. EMI-licensed, not a chartered bank — the structural trade-off versus Starling Business is that Tide funds on the current account are safeguarded under EMI rules, not FSCS-deposit-insured. That is the most-misread structural fact about Tide.
- Best for fees Tide won 1 of 4
- Best for protection Tide won 1 of 2
- Best for reach Chipper Cash won 3 of 3
- Best for ux Tide won 2 of 2
Tide vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chipper Cash better than Tide?
Under our v3 methodology, Tide leads Chipper Cash 5–3 across 12 dimensions. Composite scores: Chipper Cash 62/100 vs Tide 70/100. Tide is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Chipper Cash or Tide cheaper?
Monthly fee — Chipper Cash: €0; Tide: €0. Card FX markup — Chipper Cash: 1.00%; Tide: Interbank. Tide wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Chipper Cash or Tide?
Chipper Cash holds a E-money inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Tide holds a Partner-bank licence under FCA; deposit guarantee per depositor: £85,000. Tide is the stronger pick on regulatory protection.
Where can I use Chipper Cash and Tide?
Chipper Cash operates in 9 countries; Tide operates in 2 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.